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Indeed, any time one receives an idea of how to solve a problem in life that one has been pondering but for which one has been helpless to find an answer, credit is appropriately attributed to the ostensibly infinite mind that governs our existence.
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Jong gave a lengthy answer, crediting West for being "a great old broad".
By 1994 he had found the answer: credit-scoring formulas developed by Fair Isaac & Co. AmeriCredit (No. 30) was among the first to realize that sophisticated predictive software used to evaluate better credit risks could also be applied to lesser-quality risks without rejecting every applicant.
The below interview is comprised of that conversation, as well as some emails traded after the fact, which included an answer credited to both Goshinski and Leonowicz.
Gazmer is an outgoing professional with an easy laugh who works nights in a call center in New Delhi answering credit card questions for Americans.
At his initial news conference, he whispered his answers, crediting his team for his success and not once saying how good he was.
For each answer, the credit is the number of members that chose that answer, divided by the modal value for the question.
Asked how they afforded childcare, the answers included "credit union loan", "go without other things", "beg childminder".
Only 15 items for PBA and 12 items for CBA had a proportion of correct answers (full credit) higher than 50%.
The thirteen questions were weighted according to their relative importance, and a correct answer was credited from one to six points.
Compared to the mastery speed measure, percent correct is more susceptible to guessing and provides less penalty to slipping because correct answers are credited even though prior or future problems are answered incorrectly.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com